SHELTER INSURANCE
Charter #23355 | MO
<100M
(2596 CUs)
Micro
($0-$500M)
60 <100M in MO
SHELTER INSURANCE has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.1% in tier
- + Efficiency Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Loan-to-Share Ratio: Bottom 6.5% in tier
- - Net Interest Margin (NIM): Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,941
-2.4% YoY-0.6% QoQ
|
+315 |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
66th in tier |
| Assets |
$39.4M
+6.0% YoY+3.5% QoQ
|
+$9.6M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
69th in tier |
| Loans |
$8.2M
-11.9% YoY-3.6% QoQ
|
$-7.5M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
45th in tier |
| Deposits |
$34.0M
+5.4% YoY+3.7% QoQ
|
+$8.5M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
69th in tier |
| ROA |
1.2%
+1.1% YoY-2.1% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
70th in tier |
| NIM |
2.5%
-2.8% YoY-1.3% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio |
55.6%
+0.8% YoY+0.4% QoQ
|
-25.8% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.9% in tier |
| Delinquency Rate |
0.7%
+309.0% YoY+12.1% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
50th in tier |
| Loan To Share |
24.2%
-16.4% YoY-7.0% QoQ
|
-37.0% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.4% in tier |
| AMR |
$14,350
+4.0% YoY+2.8% QoQ
|
$-277 |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
54th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
212
Members Per Employee (MPE)
engagement
Value:
588.200
Peer Avg: 365.701
#212 of 2596
Top 8.1% in <100M tier
258
Efficiency Ratio
profitability
Value:
55.64%
Peer Avg: 81.39%
#258 of 2596
Top 9.9% in <100M tier
542
Asset Growth Rate
growth
Value:
5.96%
Peer Avg: 1.82%
#542 of 2596
Top 20.8% in <100M tier
572
Deposit Growth Rate
growth
Value:
5.43%
Peer Avg: 16.80%
#572 of 2596
Top 22.0% in <100M tier
Top Weaknesses (5 metrics)
2427
Loan-to-Share Ratio
balance_sheet
Value:
24.24%
Peer Avg: 61.23%
#2427 of 2596
Bottom 6.5% in <100M tier
2404
Net Interest Margin (NIM)
profitability
Value:
2.48%
Peer Avg: 3.93%
#2404 of 2596
Bottom 7.4% in <100M tier
2163
Loan Growth Rate
growth
Value:
-11.85%
Peer Avg: 59.01%
#2163 of 2596
Bottom 16.7% in <100M tier
2066
Fee Income Per Member
profitability
Value:
$11.93
Peer Avg: $182.96
#2066 of 2596
Bottom 20.5% in <100M tier
2041
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,800
Peer Avg: $5,488
#2041 of 2596
Bottom 21.4% in <100M tier